Credit and Habit

American ExpressPersonal card

Hilton Honors American Express Card

Earn 7X Hilton Honors Bonus Points on eligible purchases made directly with Hotels and Resorts within the Hilton portfolio. Make travel purchases more rewarding. Terms Apply.

AT A GLANCE

Credit card overview

Welcome offer

70,000 bonus Hilton Honors pointsplus a Free Night Reward after spending $2,000 in purchases in the first 6 months. Limited-time offer ends January 13, 2027.

Card categories

  • Travel

What you get

Rewards and benefits

How it earns

Card Members can earn 3X Points on all other eligible purchases. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants. Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. supermarkets.

  • Earn 7X Hilton Honors Bonus Points on eligible purchases made directly with Hotels and Resorts within the Hilton portfolio. Make travel purchases more rewarding.
  • Hilton Honors™ Silver Status: Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end…

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. American Express makes every lending decision.

Annual fee and first-year pricing
Annual Fee : No Annual Fee
Foreign transaction fee
Enjoy every trip abroad with no foreign transaction fees from American Express with the Hilton Honors American Express Card. No matter where you’re traveling, when you use your Hilton Honors American Express Card there are no Foreign Transaction Fees from American Express.
Travel benefits and restrictions
Hilton Honors™ Silver Status: Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year. Global Assist Hotline: Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply. Amex Special Ticket Access: Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events and moments across sports, music, and more.* Plus, Card Members can enjoy additional perks when attending select events. *While supplies last, not all seats may be offered. Send & Split: Send & Split enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express App. Now you can pay friends with more flexibility and without the standard Venmo or PayPal credit card fee. You can also seamlessly split your Amex purchases with others and get paid back directly to your Card as a statement credit. Best Part? You'll be the one to earn the rewards for the purchase you split. Enrollment required. Terms apply. Dispute Resolution: If you ever look at your American Express statement and see a charge you don't recognize or notice you're still being billed for a service you canceled, chances are you want it corrected right away. American Express can work with you and the merchant to help resolve the issue. Year-End Summary: Get access to a Year-End Summary of charges so you can review your annual spending. Learn More at americanexpress.com/yes . Plan It: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do. Additional Cards: You can add an Additional Card for anyone who makes purchases for you, like your child (13+), spouse or employee.
Travel insurance and coverage limits
Car Rental Loss and Damage Insurance: Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Purchase protection and extended warranty
Purchase Protection Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits.* *Up to $1,000 per Covered Purchase, up to $50,000 per calendar year. Amex Special Ticket Access Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can't-miss events and moments across sports, music, and more.* Plus, Card Members can enjoy additional perks when attending select events. *While supplies last, not all seats may be offered. American Express Venue Collection Enjoy an enhanced experience at select stadiums and arenas thanks to on-site benefits including dedicated entrances or fast lanes. Plus enroll your Card and get 10% back on qualifying concessions purchases up to $250 per calendar year. Limit one enrolled Card per eligible Card Member. Learn More .

Recorded from American Express’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the Hilton Honors American Express Card

  1. For travel rewards, test the redemption you would actually book. Portal restrictions, transfer availability and taxes can change the value of points.
  2. Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
  3. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

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